Car Crash Claims Involving Stolen Vehicles
Does car insurance follow the car or the driver?
This is an important question if you were injured in a crash caused by someone who was driving a stolen vehicle. These claims are not going to proceed in the same way as claims involving vehicles that were not stolen.
This is also something you can discuss with a Phoenix auto accident lawyer from Phillips Law Group in a free consultation. At our firm, the goal is to help you recover maximum compensation to help you make the best recovery possible after your accident.
You should not trust the insurance company to look out for your best interests. They are concerned with their profits, not your compensation.
Who is Financially Liable for a Crash in a Stolen Vehicle?
In Arizona, car insurance generally follows the car. That means if you or someone listed on your policy was driving your car, and you or this other person caused the crash, your insurance policy would cover the victim’s damages. If someone not listed on your policy was driving your car, but they had your permission to do so, the insurance policy would also apply. However, if someone drove your car without your permission, your insurance probably would not apply.
If a car gets stolen, the driver obviously does not have permission to drive it. That means the insurance on the car would not apply. If someone steals your car and causes a crash, it is unlikely you would be financially liable for the damages caused.
How do You Seek Compensation if the Other Driver is at Fault?
If the other car was stolen, there is a high probability the driver will flee the scene. (If this happens, you should not pursue the driver, as he or she may be dangerous.) He or she is likely facing criminal charges for stealing the car. In this case, the crash is a hit-and-run, which means you would likely need to pursue compensation from your uninsured motorist coverage.
If you purchased collision coverage and/or medical payments coverage, you may also be able to use this coverage for your damages.
What about Filing a Lawsuit?
Unlike some states, Arizona does not restrict your ability to file a lawsuit after a car crash. However, most claims are resolved by pursuing a settlement from an insurance company. Even if the driver who stole the car stops at the scene, or if he or she is located by police, he or she probably will not have enough assets to cover your damages.
What if the Owner of the Car is Claiming the Vehicle was Stolen?
It is possible the car is not considered stolen for insurance purposes. If the owner left the keys somewhere, he or she knew the “thief” would find them, the car may not be considered stolen. This is particularly true if the owner knew the “thief” had a history of using cars in this way. It may be worth it to attempt to file a claim with the owner’s insurance company in case the vehicle is not considered stolen.
Filing a claim after a crash involving a stolen vehicle can be complex. You need someone in your corner focused on your best interests. The crash was not your fault and you need compensation to pay for medical treatment and other damages.
Phillips Law is Ready to Help. Call Us Today
You may be eligible for compensation for your damages. Phillips Law Group has many years of combined experience pursuing compensation from insurance companies. We have the resources to thoroughly investigate claims and build strong cases. We are also prepared to go to court if necessary.
Call Phillips Law Group today to set up your free consultation. There is no obligation to hire our firm and no upfront fee.
Contact us today to learn more. We have recovered millions. 1-800-706-3000
Phillips Law Group has a proven track record of success. Juan Roque, in particular, is integral to that. He works with integrity, compassion, and an undefeated optimism that makes him a valuable asset.
I tried a few previous law firms and none would take my car accident case with confidence they could get my anything. Phillips law group took my case and although it took around 4 years to get this case settled as I was in treatment, they never let up with insurance adjusters and they got me as much money as possible. They worked hard for me and advocated for me. Shoutout to key individuals who worked my case nonstop of the years, Robert Ross & Jasmine, you are AMAZING!
I want to thank attorneys Tim and Robert and the paralegal Bethany for all they had done on my case. They were all empathetic, knowledgeable and professional. All my questions were answered, emails returned in a timely matter, and promises fulfilled. I recommend Phillips Law Group if you need help with your injury case.
Although my accident was fortunately not a major one, The Phillips Law Group AZ treated it as such. Their staff, specifically Mr Juan Roque was very professional, courteous and most importantly very informative. Mr Roque's attentive service was phenomenal and I highly recommend this firm!
Phillips law group is the best around!
Phillips Law Group does so much for the community!!! I especially enjoy seeing Juan Roque out there. This gentle giant always has a smile on his face and is a part of a caring and giving team.
Liz was great
The lawyers here are of top quality. Especially Trey Dayes, who was always respectful and hard-working.
My review is for Kathy Hudson a legal assistant at the law firm. She is great! She is very professional and a fair based person. She was never rude to me and always called me back. She listened to me and had my best interest as number 1. Mr Nasir who is a supervisor at law firm also was very professional and helpful. Not sure if spelling his name correctly but sorry if not. As far as mr Ross and the lady that runs the front desk reception I would say they are the most unprofessional and rude people I have met at a law firm in my life especially beings they were representing me. But Kathy made it overall a better experience. Thx Kathy.
I didn’t know anything about the area, and Phillips Law Group just took care of everything. They helped made sure I knew where I was going, made sure I didn’t have to worry. They literally just took care of me.